<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted
from the Consolidated Statement of Condition, the Consolidated
Statement of Earnings and Management's Discussion and Analysis
and Statistical Information and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1996
<CASH>                                          85,657
<INT-BEARING-DEPOSITS>                           1,631
<FED-FUNDS-SOLD>                                 4,476
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    440,718
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,574,880
<ALLOWANCE>                                     15,672
<TOTAL-ASSETS>                               2,180,974
<DEPOSITS>                                   1,832,909
<SHORT-TERM>                                    92,805
<LIABILITIES-OTHER>                             19,809
<LONG-TERM>                                     42,247
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     30,093
<COMMON>                                        69,625
<OTHER-SE>                                      93,486
<TOTAL-LIABILITIES-AND-EQUITY>               2,180,974
<INTEREST-LOAN>                                134,721
<INTEREST-INVEST>                               28,004
<INTEREST-OTHER>                                 2,258
<INTEREST-TOTAL>                               164,983
<INTEREST-DEPOSIT>                              73,128
<INTEREST-EXPENSE>                               6,941
<INTEREST-INCOME-NET>                           84,914
<LOAN-LOSSES>                                    4,537
<SECURITIES-GAINS>                               1,574
<EXPENSE-OTHER>                                 91,419
<INCOME-PRETAX>                                 38,459
<INCOME-PRE-EXTRAORDINARY>                      38,459
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    25,992
<EPS-PRIMARY>                                     1.12
<EPS-DILUTED>                                     1.07
<YIELD-ACTUAL>                                    4.32
<LOANS-NON>                                      6,550
<LOANS-PAST>                                     5,934
<LOANS-TROUBLED>                                    73
<LOANS-PROBLEM>                                 31,503
<ALLOWANCE-OPEN>                                14,859
<CHARGE-OFFS>                                    5,498
<RECOVERIES>                                     1,774
<ALLOWANCE-CLOSE>                               15,672
<ALLOWANCE-DOMESTIC>                             9,533
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,139